Individual and family health insurance is available through private insurance companies as well as State and Federal marketplaces. Given the option, most people would prefer to have their employer provide…

Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis…

Baron & Associates, Inc. is an independent insurance agency specializing in providing cost effective Employee Benefit Programs. We work with highly rated insurance companies and a network of consummate professionals who care about your business and well-being of your employees. We dedicate ourselves to deliver an exceptional level of personal service to each and every one of our clients. We are licensed in Illinois, Indiana, Wisconsin, Arizona, Michigan, California, and Ohio.

Affordable Care Act and Marketplace Basics

Health Law Changes in the Affordable Care Act

The health law changes include:

Creation of Marketplaces, through which individuals who do not have access to public assistance programs or affordable employer-sponsored coverage may compare and purchase plans. Some individuals will be eligible for financial assistance through premium tax credits and/or cost-sharing reductions

Expansion of Medicaid in some states to cover individuals under age 65 whose household incomes are less than 138% of the Federal Poverty Level(FPL)

Introduction of a requirement that requires individuals to maintain minimum essential coverage, qualify for an exemption from coverage, or make a payment when filing their federal income tax returns

Products We Offer:

We offer a diverse range of services to individuals and to small and large businesses. We also service individuals with specialized needs. These services include employee benefits which include medical, dental, vision, short term disability, long term disability, and life. Medicare products and related financial services, as well as personal insurance.

You are the principal; we are your agent. Our function is to buy for you, not sell to you.

However, it is the scope and level of our value-added services which distinguishes us from others and influences the sophisticated insurance buyer to select Baron & Associates, Inc. Some of our more significant value-added services, not nornally provided by other insurance firms are:

Assisting in meeting individual medical insurance needs

Assisting and explaining Social Security/Medicare benefit requirements to employees reaching age 65

Securing insurance protection for uninsurable individuals

Employee benefit communication information and meetings

Drafting plan documents

Designing Flexible Spending Accounts (FSA) programs

Reviewing and protecting claim experiences for the next policy year; preparing at least 90 days in advance fo rate adjustment date

Reserching current and pending benefit/tax legislation and reporting impact on benefit plans

Advising key legislation activity

Advising use of innovative tax preferred concepts

We are a locally owned firm in McHenry and have been in business for 20+ years. We have grown tremendously over those years and can attribute this to the quality service, integrity, and value-added special skills. We consider the personal needs of each client and still maintain a very personal level of service and a small agency flavor. Personalized service is our business.